It is not easy to stay invested in a turbulent market. The main problems facing investors are:-

(1) Staying the course when we see our portfolio plunging into the red zone with no relief in sight;
(2) Over estimating our risk tolerance leading to over exposure to equity funds;
(3) Improper asset allocation leading to diworsification, i.e. having too many funds with positive correlation;
(4) Not enough saving to take advantage of the market dip to practise DCA or VA;
(5) Overconfidence in our investing abilities leading to buying high and selling low.
(6) Misunderstanding the nature of unit trust investment.

A combination of the above factors led some investors to get burnt in unit trust investments. Thank God we don't have contra trading for FSM.

For myself, the solution is to keep more cash and bond funds to take opportunity of the crazy market. In the current market, I don’t subscribe to the belief that young investors (i.e. anyone below 40 years old) should be 100% invested in equity funds. We are only human. We just don’t have the stomach to see our portfolio plunging month after month.

IMHO, the current market calls for a defensive position with a 50/50 allocation in equity funds and bond funds. For older investors with higher income level or sufficient emergency funds, they can afford to increase their exposure to equity funds/alternative investments to 70%. Again, this varies depending on the individual investors.

This post has been edited by Vanguard 2015: Jun 28 2016, 04:16 PM

was going through FSM and all the glory funds have dimmed and i am left with ESISC and Manulife india and RHB Total Income and RHB Asia....sigh what a turbulent world we live in these days.

WORD.

Yes, words...but coupled with action...since I put my money where my mouth is.

For me, In order of size %...

1. Dividend stocks
2. REITs
3. UTFs
4. FDs

This post has been edited by Pink Spider: Jun 28 2016, 05:17 PM

invested 3 months, dca, still at lost of -1.5 @@

This post has been edited by [Ancient]-XinG-: Jun 28 2016, 05:29 PM

it is a periodical buy. as in just to top up a bit. i need to bring down my holding price anyway.

Mana trading stocks? No. 0?

Why dump GTF ?

Pinky resurface

Wah. So many people topped up GTF. I still think it's better than bet on Asia market than US/Europe. Seems like there will be more problem unfolding.

just curious those that top up GFT .. how much do you guys actually top up ?

1k plus ? 10k plus ? just just few hundred here and there ?

I think it should be in % in relation to the existing value of the fund in the portfolio.
b'cos different people's portfolios have different amount in RM.

I topped 10% for GTF and 40% for Aladdin

it was fun while it lasted but compared to other funds GTF is going on a down hill trend now that the brexit happened and the elites lost money in that and on top of it the US presidency is coming up next. nope just nope.

You must be very confident with US/Europe to top up to that extend...

Or just using this time to rebalance your allocation?

Portfolio rebalance to be more exact purpose.

recommended funds list 2016/17 is out for FSM HK......
FSM MY....should be coming soon.....

Gud opportunity to top up

But how many people brave to topup?

Y need to follow others when monies from yo own pocket?